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Talk to an account executive.

Ask an AE to get in touch, or send a loan scenario for one to review.

Have an AE contact me Send a scenario

Tell us about the loan.

Send the loan’s basics and your question. You don’t need a full file.

What do you need?

Fields marked * are required.

Don’t include anything that identifies the borrower: name, Social Security or ITIN number, date of birth, account or loan numbers, or the property’s street address. The loan’s numbers are all your AE needs. For mortgage professionals only.
The loan

What makes the loan a tight fit, what you’ve tried, and what you’d like to know. Describe the borrower; don’t name them.

About you

JMAC uses what you send to answer your request and to follow up about working together. See our Privacy Policy.

Prefer to call?

(844) 888-5622sales@jmaclending.com

JMAC Sales · Monday to Friday, 8 a.m. to 5 p.m. Pacific

Questions about scenarios.

How soon will I hear back?

An account executive reviews each scenario and replies during business hours, Monday to Friday, 8 a.m. to 5 p.m. Pacific. Approved partners can also ask Scenario Desk, part of JMAC Intelligence, for cited guideline guidance around the clock.

Do I need to be an approved JMAC broker to send a scenario?

No. You can send a scenario before you’re approved. If you bring the loan to JMAC, your account executive can start your approval alongside it.

What details make a scenario easiest to answer?

The program you have in mind, the property’s state, loan purpose and occupancy, the loan amount and value, the credit score, how the borrower documents income, and anything unusual, such as a recent credit event.

What shouldn’t I include?

Anything that identifies the borrower: name, Social Security or ITIN number, date of birth, account or loan numbers, or the property’s street address. The loan’s numbers are all your account executive needs to start, and they’ll ask for the file when it’s time.

Can you look at a loan that needs more room?

Yes. In your notes, say what makes the loan a tight fit, such as how the borrower documents income, a recent credit event or the property. Non-QM programs such as DSCR, Bank Statement and Limited Docs offer other ways to qualify when a loan needs more room than agency guidelines allow.

Your next borrower. Our next conversation.

Start with a question instead.

Ask JMAC about guidelines and programs, or apply to partner with us.

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